AOL Platinum Visa (First USA)

Pros: Free AOL..good customer service
Cons: Late payment a problem. Need to mail bills off promptly or get screwed.

I do recommend this card to every AOL user but there are caveats which I will go into later on.

First the benefits derived from using the card:

If you reach $2000 equivalent to 2000 points you can get free AOL per month. That's...

Pros: NONE
Cons: Bank commits FRAUD, NO CUSTOMER SERVICE

Bob hit the nail right on the head, almost! Everything he says is correct, but let me add to it. I had a First USA Signature Visa in which I was to receive cashback rewards on all of my purchases. After charging $10,000 in one month, I called First USA...

Pros: free AOL, First USA is willing to be flexible
Cons: pain to redeem points

For every $2200 dollars you charge to your First USA AOL Platinum VISA account, you get a free month of AOL. Not bad for those of us who use our VISA for absolutely everything, including business expenses. We truly have not paid for a month of AOL in...

Pros: Bad learning experience
Cons: Misleading/dishonest advertisement, hidden fees, useless customer service

I am surprised that AOL would affiliate itself with First USA bank. I frankly find the advertising practices and fees associated with the AOL Platinum Visa card to be “bait and switch.”

If you check out the ad on at http://www.AOL.com and...

Pros: fixed 9.9 percent, some reward points
Cons: rewards not fabulous, no way to report payment and no grace period

If you don't want to rotate your credit cards every six months, sometimes a constant 9.9 percent is better than a six month introductory rate. If you don't run a balance it doesn't matter too much either way, and I try not to.
There is no...

Pros: Working you Over!
Cons: Paying 3 times for your service "AOL"

I hate AOL or should I say A-o-Hell, to be frank, and with First USA Visa being their official credit card this is an attempt to get more of your money for their internet service.
I have done some research into First USA and found out that...

Pros: balance transfer rebate
Cons: exorbitant fees

Well I have to say this was the easiest credit card I ever got. It came in the mail in 2 weeks with the largest limit of any of my 5 cards. The normal reward level of a 1% rebate usable toward any AOL payment is miniscule, but it includes balance...

Pros: Free Balance Transfer, Lost Luggage Protection, Platinum perks
Cons: Use points only for free AOL, nothing else

What I wanted: a "Platinum" Visa card - that gives the typical platinum benefits (no annual fee, purchase protection, rental car insurance, etc..) that also had a reward program that was actually useful to me. At the time, I already had a...

Pros: NONE
Cons: Rude customer service reps, rewards are not all that they say they are

First USA was the first credit card company to extend me credit. I wish I never signed the agreement. From day one, First USA has given me nothing but problems. I can recall my first problem with this company. One of their telemarketers called me and...

Pros: Low interest rate, earn free AOL
Cons: ???

I gotta say...I love this card!

I basically applied for this card because of the very very low interest rate they were offering and the chance to earn free AOL for using the card. I use this card for just about everything we purchase just to...

Pros: Free AOL if that is a pro for anyone.
Cons: Rude Customer Reps. Very high late fees.

I signed up for the AOL card because I did have AOL service and thought I would get lots of free months service out of it. Well it's NOT WORTH IT!

I used their website to pay my bills, this was easy to use but misleading. It states on the...

Pros: No fee; standard platinum services
Cons: Rewards are an unnecessary hassle to get

I should first say that I have good credit and a good income. I selected this card because I am an AOL user and the idea of getting AOL for free each month sounded quite logical.

The card itself is standard First USA and not bad. No fees,...

Pros: AOL credits, low interest rate
Cons: Stiff Penalties If Late Payment

For people who pay all their bills on time (like me!), the AOL credit card will allow you to get a free month of AOL. And, then, if you balance transfer, you will get 1 point per dollar of balance transferred (100 points equal one dollar) So, if you have...